XP Investimentos / Visa Infinite
XP Visa Infinite Cashback
Zero-annual-fee XP Infinite Visa Infinite card for Brazilian investors, offering up to 1.5% Investback or up to 3.0 XP points per dollar with Turbo Benefícios, 4 airport lounge accesses per year, dynamic credit limit linked to investments, Visa Infinite benefits and partner offers inside the XP app.
Highlights
Main benefits
- Zero annual fee forever
- Up to 1.5% Investback with Turbo Benefícios
- Up to 3.0 XP points per dollar with Turbo Benefícios
- Choice between XP points and Investback
- 4 airport lounge accesses per year
- Dynamic credit limit linked to investments
- Visa Infinite benefits included
- Travel insurance, purchase protection and international assistance benefits
- Fast Pass benefit at GRU and GIG
- Partner offers in the XP app benefits center
- Compatible with Apple Pay, Google Pay and Samsung Pay
- Up to 6 additional credit cards at no cost
- Credit and debit functions in the same card
- Card management inside the XP app
Fees
Fees and charges
Joining fee
R$ 0
Renewal fee
R$ 0
Annual fee waiver
Zero annual fee forever
Up to 6 additional credit cards at no cost
Who can apply
Eligibility
- Minimum R$ 50,000 in liquid investments with XP
- Active XP account
- Approval after XP credit analysis
- Eligible card appears for request in the XP app after approval
- Applicant must meet XP account and card onboarding requirements
Checklist
Documents required
- Valid Brazilian identity document
- CPF
- Proof of residence
- Income or financial profile information
- XP account registration details
- Investment balance information within XP
Process
How to apply
1. Download the XP app and open an XP account
2. Invest the required amount to become eligible for the XP Infinite card
3. Wait for XP credit analysis
4. Open the card section in the XP app after approval
5. Request the XP Infinite Visa Infinite card in the app
6. Start using the digital card after it is released
7. Add the card to Apple Pay, Google Pay or Samsung Pay for mobile payments
Value
Reward and cashback structure
Reward rate
Up to 1.5% Investback with Turbo Benefícios
Up to 3.0 XP points per dollar with Turbo Benefícios
Choice between XP points and Investback
Partner offers with extra Investback in the XP app benefits center
Up to 6 additional credit cards at no cost
Cashback
Up to 1.5% Investback with Turbo Benefícios
Investback is linked to the XP investment ecosystem
Partner brands may offer extra Investback through the XP app benefits center
Cardholder can choose between accumulating Investback or XP points
Good fit
Pros
- Strong cashback-style Investback for a zero-annual-fee card
- Good Visa Infinite benefits without annual fee
- Useful for XP investors with R$ 50,000 or more invested
- Flexible choice between points and Investback
- Airport lounge access included
- Dynamic credit limit can benefit investors
- Additional cards are free
- Integrated with the XP app and digital wallets
Watchouts
Cons
- Requires at least R$ 50,000 invested with XP
- Best cashback rate depends on Turbo Benefícios
- No standard welcome bonus listed
- No fuel-specific benefit
- Value is strongest for users already inside the XP ecosystem
- Credit approval is required even after meeting investment criteria
Related
Related cards
Comparar cartões
Comparar cartões
| Field | XP Visa Infinite Cashback | BRB DUX Visa Infinite |
|---|---|---|
| Bank/provider | XP Investimentos / Visa Infinite | BRB Banco de Brasília S.A. / Visa Infinite |
| Taxa de adesão | R$ 0 | R$ 0 for the first 3 months, then 12 x R$ 400 = R$ 4,800 per year |
| Taxa de renovação | R$ 0 | 12 x R$ 400 = R$ 4,800 per year |
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| Taxa de recompensas |
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| Cashback |
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| Acesso a lounges |
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| Isenção de sobretaxa de combustível | Not available | Not available |
| Beneficio de boas-vindas | Not specified | 10,000 points in DUX Experience after activating the BRB DUX Visa Infinite card |
| Isenção de anuidade |
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| Elegibilidade |
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| Link de candidatura | Candidatar-se agora | Candidatar-se agora |
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